Invest with a Lucia Capital Group Financial Advisor
Learn how to potentially minimize or eliminate the amount of taxes you pay on your Social Security Benefits
We’ll show you ways to help you keep more of the benefits that you’ve earned.
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Income Needs and Risk Analysis
We’ll revolutionize the way you think about your Social Security benefits and where you take your income from in retirement.
Investment Allocation Strategy
People think it doesn't matter what types of accounts they have (taxable, pre-tax, tax-free, etc.) or where they take their money from in retirement, but it does—and we’ll show you why!
A Plan for Minimizing Taxes When Possible
Did you know that other sources of income, taxable or not, may force as much as 85% of your Social Security benefits into the taxable column?
Debunk the Misconceptions About Your Social Security Benefits
Get important information on how you might be able to avoid or even eliminate taxes on your benefits
Social Security Myths
“But Social Security benefits are never taxed, are they?”
Not true! They’re always potentially taxable, depending on a few factors. Even if you’ve never paid taxes on your benefits in the past, there are certain situations – like reaching RMD age – that may put up to 85% of your benefits into the taxable column. Knowing the truth is important, because understanding that you might be subjecting your Social Security benefits to taxation may actually help keep your benefits from being taxed—simply by changing your portfolio’s withdrawal strategy!
Social Security Myths
“Sure, maybe Social Security benefits can be taxable, but if so, there’s nothing I can do about it, right?”
How much you pay in taxes on your Social Security benefits may actually be entirely in your control. It’s just a matter of having a distribution strategy, and working with someone who understands how the system works. That’s one way that we aim to help you.
Social Security Myths
“An advisor is only there to help my money to grow. Aren’t Social Security strategies too complex for most advisors to understand anyway?”
These strategies don’t play into a lot of advisors’ recommendations for their clients simply because they don’t understand how Social Security works, or how a strategy for Social Security that’s integrated with their financial plan may help them lower their overall tax bill. You’ll want help from a financial advisor who understands how integrating Social Security with your overall retirement plan can potentially result in some big tax savings—not to mention the possibility of receiving a larger lifetime benefit. It’s important that you know about the strategies available to you. With the right strategy, you might be able to pay zero taxes on your Social Security benefits or receive the highest benefit amount available.
Your future. Managed.
Lucia Capital Group focuses on financial planning, retirement planning, and investing.
At Lucia Capital Group, we strive to help families and individuals increase the probability of managing their goals, gain confidence, and address their life’s purpose by providing comprehensive financial advice, a team philosophy, and a process-driven investment strategy. We take pride in conducting financial planning with a Strategy First® approach, which is our way of saying that we focus on getting your financial strategy aligned, then we focus on building you a personalized portfolio designed to help address your strategic goals.
Take Charge of Your Financial Future Today
It all comes down to strategy and having a plan
Here’s what’s included with your
Personal Financial Plan from Lucia Capital Group
Our team of financial advisors accesses talent both inside and outside the firm to create a personalized strategy with a carefully selected assortment of investments for each investor. Here’s what’s included in your personalized retirement analysis.
- A one-on-one consultation with a Lucia Capital Group financial advisor to be held in person, over the phone, or via video conference
- An investment implementation strategy that looks at your current investment portfolio before determining which investments best fit your new strategy (as well as recommendations for how your portfolio may be improved to fit your plan)
- An asset location strategy showing you tax-efficient ways to draw from your taxable, tax-deferred, and tax-free accounts
- A retirement income strategy for filling the gap between your Social Security benefits and your overall retirement income needs
- A deep dive into your specific Social Security situation to help you determine how Social Security fits into your overall retirement plan
Step 1: Schedule Your Appointment
It all starts with your introduction meeting with a Lucia Capital Group financial advisor. Just fill out the form on this page and a member of our team will reach out to schedule an appointment that works with your schedule.
Step 2: Complete the Financial Organizer
Next, a member of our financial planning team will call you at the scheduled time to ask you a few questions about your goals and your current situations. These questions provide us with a picture of your finances and will help us build your retirement income plan.
Step 3: Meet With Your Lucia Capital Group Financial Advisor
Finally, you’ll be presented with custom-tailored retirement income plan that fits your unique needs. You’ll also meet with your financial planning team to further review your goals and assets. With offices across the country, we can meet with you in person, over the phone, or via video chat.
Commonly Asked Questions
There is no cost. Our mission is to help people prepare for retirement and understand their current financial situation. We also believe that once you see what we’re able to do for you from a financial planning prospective (investing, planning, Social Security decisions, and more), you’ll want to continue the relationship and work with us over the long term.
In many cases, yes! With this offer, we’ll show you ways to potentially structure your portfolio in a tax-advantaged manner so that you won’t ever pay more taxes than you have to on your Social Security benefits—you may even pay no taxes at all!
Social Security taxation is the government’s way of taking back some of the Social Security benefits they’ve promised you’ll get, and it’s affecting a lot more people now than it used to.
The income thresholds for taxation of benefits have been fixed since they were implemented back in 1983 and 1993. Because of this, more people are required to pay taxes on at least some of their benefits now than ever before—and the amount of taxable benefits is going to continue to rise.